Overview
Visit USA-HealthCare Budget is a fixed coverage plan for non-US citizens traveling to the United States. Prepare instant quotes and make an online purchase yourself by using this website. Insurance coverage can begin as soon as tomorrow or any future date you state. Once you complete your purchase, you will receive email confirmation that includes your virtual ID card; physical cards are not mailed.
What is covered and not covered?
The insurance company generally pays for new medical conditions - accident and sickness - that occurs after the effective date of the insurance policy. The insurance company will not cover expenses that are related to pre-existing conditions, preventive or routine checkups, vaccinations, and maternity.
Prescription medications are covered according to the schedule of benefits for covered medical expenses. More information.
How do I use the insurance?
Please review this detailed description of Frequently Asked Questions on how to use the coverage.
How much is covered?
You will first pay your chosen deductible for each incident that occurs, even for doctor’s office visits. After you have fulfilled your deductible for an incident, the insurance company begins to pay a fixed amount for the covered medical expenses according to the scheduled of benefits up to the policy maximum; you will pay the difference for costs in excess of the schedule of benefits amount. There is no out of pocket maximum.
Dental Care Discounts
Visit USA-Healthcare Budget does not provide coverage for any dental procedures.
However, there is a way to look after your oral health while visiting the USA without straining your budget: You can save money on dental care with a Dental Discount Plan from Careington.
Schedule of Benefits
| Overall Policy Maximum | Plan A | Plan B |
|---|---|---|
| Ages 14 days - 64 years | $50,000 | $150,000 |
| Ages 65 - 69 | $50,000 | $100,000 |
| Ages 70 - 79 | $50,000 | N/A |
| Ages 80 and above | $20,000 | N/A |
| Deductible | ||
|---|---|---|
| Ages 14 days - 69 years | $0, $50, $100, or $250 | $0, $50, $100, or $250 |
| Ages 70 and above | $100 or $250 | N/A |
| Benefits | ||
|---|---|---|
| Dr Office Visits | Up to $75 per visit, 10 visits maximum | Up to $150 per visit, 10 visits maximum |
| Outpatient Prescription Drugs | $150, maximum of 60 days per prescription. | $300, maximum of 60 days per prescription. |
| Emergency Room (All Expenses Incurred Therein) | $375 per injury/illness No coverage if not admitted to hospital, unless for injury. | $785 per injury/illness No coverage if not admitted to hospital, unless for injury. |
| Diagnostic X-Rays & Labs | Up to $500, Additional $400 One CAT scan, PET Scan or MRI, per injury/illness | Up to $750, Additional $650 One CAT scan, PET Scan or MRI, per injury/illness |
| Hospital Room & Board | Up to $1,500 per day, 30 days maximum | Up to $2,750 per day, 30 days maximum |
| Intensive Care Unit | Up to $2,500 per day, 8 days maximum | Up to $4,000 per day, 8 days maximum |
| Inpatient Surgery | Up to $4,000 per session | Up to $8,000 per session |
| Outpatient Surgery | Up to $3,300 per session | Up to $7,150 per session |
| Local Ambulance | Up to $500 per injury/illness No coverage if not admitted to hospital. | Up to $500 per injury/illness No coverage if not admitted to hospital. |
Example:
The following examples assume that you have purchased this plan with a $50,000 policy maximum and a $100 deductible.
In the first scenario, you caught your nephew’s or grandchild’s cold and you are visiting a doctor at their office.
The first time you visit the doctor, he charges $150 dollars. You will pay your $100 deductible, fulfilling your per incident requirement, and the insurance company will pay the remaining $50. The doctor recommends that you return for a follow up appointment in a week.
After a week, you return to the doctor’s office for follow up for the same incident; the doctor again charges $150 dollars. You have already met your deductible for this incident, so you will not pay the deductible again. The insurance company will pay a limited benefit for this visit and covers a maximum of $75 for the visit; you will pay the remaining.
In the second scenario, you were injured in an accident then taken to the emergency room by ambulance. The ambulance ride charges are $500 and the emergency room visit is $500.
First, you must pay your $100 deductible for this accident, starting with the ambulance. After the $100 deductible is fulfilled, the insurance company will begin to pay.
Ambulance $500 - deductible $100 = $400 - You have now fulfilled your deductible for this incident. Of the remaining $400, the insurance plan will pay up to $500, meaning you will only pay your deductible for the ambulance.
For the emergency room visit, the plan will pay up to $375 and you will pay the difference. The total cost for the emergency room visit is $500 and you have already met your deductible for this incident, so the insurance company will pay $375 and you pay the remaining $125.
Benefits Updated: 9/23/2020